DDI_WLD_2017_FINDEX_v03_M_WB
Development Economics Data Group
2018-10-09
NADA
DDI Document - Version 03 - (05/24/21)
This version is identical to DDI_WLD_2017_FINDEX_v02_M_WB but country field has been updated to capture all the countries covered by survey.
Version 01 (October 2018)
Global Financial Inclusion (Global Findex) Database 2017
FINDEX 2017
WLD_2017_FINDEX_v02_M
Development Research Group, Finance and Private Sector Development Unit
Gallup, Inc.
NADA
Development Research Group, World Bank
The Bill and Melinda Gates Foundation
Global Findex
Development Research Group, Finance and Private Sector Development Unit
Other Household Survey [hh/oth]
Afghanistan
Albania
Algeria
Argentina
Armenia
Australia
Austria
Azerbaijan
Bahrain
Belgium
Benin
Bolivia
Bosnia and Herzegovina
Botswana
Brazil
Bulgaria
Burkina Faso
Cambodia
Cameroon
Canada
Central African Republic
Chad
Chile
China
Colombia
Costa Rica
Croatia
Cyprus
Czech Republic
Denmark
Dominican Republic
Ecuador
Egypt, Arab Rep.
El Salvador
Estonia
Ethiopia
Finland
France
Gabon
Georgia
Germany
Ghana
Greece
Guatemala
Guinea
Haiti
Honduras
Hong Kong SAR, China
Hungary
India
Indonesia
Iran, Islamic Rep.
Ireland
Israel
Italy
Japan
Jordan
Kazakhstan
Kenya
Korea, Rep.
Kosovo
Kuwait
Kyrgyz Republic
Lao PDR
Latvia
Lebanon
Lesotho
Liberia
Libya
Lithuania
Luxembourg
Madagascar
Malawi
Malaysia
Mali
Malta
Mauritania
Mauritius
Mexico
Moldova
Mongolia
Montenegro
Morocco
Mozambique
Myanmar
Namibia
Nepal
Netherlands
New Zealand
Nicaragua
Niger
Nigeria
North Macedonia
Norway
Pakistan
Panama
Paraguay
Peru
Philippines
Poland
Portugal
Romania
Russian Federation
Rwanda
Saudi Arabia
Senegal
Serbia
Sierra Leone
Singapore
Slovak Republic
Slovenia
South Africa
South Sudan
Spain
Sri Lanka
Sweden
Switzerland
Taiwan, China
Tanzania
Thailand
Togo
Trinidad and Tobago
Tunisia
Turkiye
Turkmenistan
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
Uruguay
Uzbekistan
Venezuela, RB
West Bank and Gaza
Zambia
Zimbabwe
See Methodology document for country-specific geographic coverage details.
Observation data/ratings [obs]
Other [oth]
micro_world
2017 Global Findex - World Microdata
154923
105
Economy
154923
Afghanistan
Albania
Algeria
Argentina
Armenia
Australia
Austria
Azerbaijan
Bahrain
Bangladesh
Belarus
Belgium
Benin
Bolivia
Bosnia and Herzegovina
Botswana
Brazil
Bulgaria
Burkina Faso
Cambodia
Cameroon
Canada
Central African Republic
Chad
Chile
China
Colombia
Congo, Dem. Rep.
Congo, Rep.
Costa Rica
Cote d'Ivoire
Croatia
Cyprus
Czech Republic
Denmark
Dominican Republic
Ecuador
Egypt, Arab Rep.
El Salvador
Estonia
Ethiopia
Finland
France
Gabon
Georgia
Germany
Ghana
Greece
Guatemala
Guinea
Haiti
Honduras
Hong Kong SAR, China
Hungary
India
Indonesia
Iran, Islamic Rep.
Iraq
Ireland
Israel
Italy
Japan
Jordan
Kazakhstan
Kenya
Korea, Rep.
Kosovo
Kuwait
Kyrgyz Republic
Lao PDR
Latvia
Lebanon
Lesotho
Liberia
Libya
Lithuania
Luxembourg
Macedonia, FYR
Madagascar
Malawi
Malaysia
Mali
Malta
Mauritania
Mauritius
Mexico
Moldova
Mongolia
Montenegro
Morocco
Mozambique
Myanmar
Namibia
Nepal
Netherlands
New Zealand
Nicaragua
Niger
Nigeria
Norway
Pakistan
Panama
Paraguay
Peru
Philippines
Poland
Portugal
Romania
Russian Federation
Rwanda
Saudi Arabia
Senegal
Serbia
Sierra Leone
Singapore
Slovak Republic
Slovenia
South Africa
South Sudan
Spain
Sri Lanka
Sweden
Switzerland
Taiwan, China
Tajikistan
Tanzania
Thailand
Togo
Trinidad and Tobago
Tunisia
Turkey
Turkmenistan
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
Uruguay
Uzbekistan
Venezuela, RB
Vietnam
West Bank and Gaza
Zambia
Zimbabwe
Economy Code
154923
AFG
ALB
ARE
ARG
ARM
AUS
AUT
AZE
BEL
BEN
BFA
BGD
BGR
BHR
BIH
BLR
BOL
BRA
BWA
CAF
CAN
CHE
CHL
CHN
CIV
CMR
COD
COG
COL
CRI
CYP
CZE
DEU
DNK
DOM
DZA
ECU
EGY
ESP
EST
ETH
FIN
FRA
GAB
GBR
GEO
GHA
GIN
GRC
GTM
HKG
HND
HRV
HTI
HUN
IDN
IND
IRL
IRN
IRQ
ISR
ITA
JOR
JPN
KAZ
KEN
KGZ
KHM
KOR
KWT
LAO
LBN
LBR
LBY
LKA
LSO
LTU
LUX
LVA
MAR
MDA
MDG
MEX
MKD
MLI
MLT
MMR
MNE
MNG
MOZ
MRT
MUS
MWI
MYS
NAM
NER
NGA
NIC
NLD
NOR
NPL
NZL
PAK
PAN
PER
PHL
POL
PRT
PRY
PSE
ROU
RUS
RWA
SAU
SEN
SGP
SLE
SLV
SRB
SSD
SVK
SVN
SWE
TCD
TGO
THA
TJK
TKM
TTO
TUN
TUR
TWN
TZA
UGA
UKR
URY
USA
UZB
VEN
VNM
XKX
ZAF
ZMB
ZWE
Region, WB
153923
East Asia & Pacific (excluding high income)
Europe & Central Asia (excluding high income)
High income: OECD
High income: nonOECD
Latin America & Caribbean (excluding high income)
Middle East & North Africa (excluding high income)
South Asia
Sub-Saharan Africa (excluding high income)
Population 15+, 2016, WDI
154923
373991.156
1134633728
Gallup World Poll identifier
154923
11111
211110934
Weight
154923
0.163
4.01
Respondent is female
154923
1
2
1
Male
2
Female
Respondent age
154472
451
15
99
15
15
16
16
17
17
18
18
19
19
20
20
21
21
22
22
23
23
24
24
25
25
26
26
27
27
28
28
29
29
30
30
31
31
32
32
33
33
34
34
35
35
36
36
37
37
38
38
39
39
40
40
41
41
42
42
43
43
44
44
45
45
46
46
47
47
48
48
49
49
50
50
51
51
52
52
53
53
54
54
55
55
56
56
57
57
58
58
59
59
60
60
61
61
62
62
63
63
64
64
65
65
66
66
67
67
68
68
69
69
70
70
71
71
72
72
73
73
74
74
75
75
76
76
77
77
78
78
79
79
80
80
81
81
82
82
83
83
84
84
85
85
86
86
87
87
88
88
89
89
90
90
91
91
92
92
93
93
94
94
95
95
96
96
97
97
98
98
99
99+
Sysmiss
Respondent education level
154913
10
1
5
1
completed primary or less
2
secondary
3
completed tertiary or more
4
(dk)
5
(rf)
Sysmiss
Within-economy household income quintile
154923
1
5
1
Poorest 20%
2
Second 20%
3
Middle 20%
4
Fourth 20%
5
Richest 20%
Respondent is in the workforce
153923
1000
1
out of workforce
1
in workforce
Sysmiss
Has a debit card
A/An [local terminology for ATM/debit card] is a card connected to an account at a financial institution that allows you to withdraw money, and the money is taken out of THAT ACCOUNT right away. Do you, personally, have a/an [local terminology for ATM/debit card]? Yes or no?
(If respondent has an account at a financial institution AND has a/an [local terminology for ATM/debit card] [code 1 in FIN1 AND code 1 in FIN2], Continue to FIN3)
(If respondent has an account at a financial institution but does NOT have a/an [local terminology for ATM/debit card] or says “don’t know” or refuses [code 1 in FIN1 AND code 2, 3, or 4 in FIN2], Skip to FIN5)
(If respondent does NOT have an account at a financial institution or says “don’t know” or refuses but DOES have a/an [local terminology for ATM/debit card] [code 2, 3, or 4 in FIN1 AND code 1 in FIN2], Continue to FIN3)
(If respondent does NOT have an account at a financial institution or says “don’t know” or refuses AND does NOT have a/an [local terminology for ATM/debit card] or says “don’t know” or refuses [code 2, 3, or 4 in FIN1 AND code 2, 3, or 4 in FIN2], Skip to FIN7)
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
If has debit card: card in own name
Is this [local terminology for ATM/debit card] connected to an account with your name on it?
DK/Refused > (Skip to FIN7)
69925
84998
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If has debit card: used card in past 12 months
In the PAST 12 MONTHS, have you used your OWN [local terminology for ATM/debit card] DIRECTLY to make a purchase?
66146
88777
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Used mobile phone or internet to access FI account
In the PAST 12 MONTHS, did you ever use a MOBILE PHONE or the Internet to make a payment, to buy something, or to send money FROM your account at a bank or another type of financial institution?
84150
70773
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Used mobile phone or internet to check account balance
In the PAST 12 MONTHS, have you checked your account balance using a mobile phone or the Internet?
84150
70773
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Has a credit card
A credit card is a card that allows you to BORROW money in order to make payments or buy things, and you can pay the balance off later. Do you, personally, have a credit card?
No/DH/Refused > (Skip to Note after FIN8)
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
If has credit card: used card in past 12 months
In the PAST 12 MONTHS, have you, personally, used your credit card?
30098
124825
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If has account: any deposit into account in past 12 months
(READ:) Now, thinking about ALL the PERSONAL accounts you have at financial institutions, either by yourself or together with someone else...
In the PAST 12 MONTHS, has money ever been DEPOSITED into your personal account(s)? This includes cash or electronic deposits, or any time money is put into your account(s) by yourself, an employer, or another person or institution.
86537
68386
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If has account: any withdrawal from account in past 12 months
In the PAST 12 MONTHS, has money ever been TAKEN OUT of your personal account(s)? This includes cash withdrawals you make in person, using your [local terminology for ATM/debit card] or mobile phone, electronic payments or purchases, checks, or any other time money is removed from your account(s) by yourself or by another person or institution.
(ALL in FIN10, Skip to FIN12 IN GSMA MOBILE MONEY COUNTRIES OR FIN14)
86537
68386
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c too far away
UNBANKED SECTION
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution. Is it ___________ ? (Randomly rotate FIN11A-FIN11H)
- FIN11A.Because financial institutions are too far away
68386
86537
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c too expensive
UNBANKED SECTION
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution. Is it ___________ ? (Randomly rotate FIN11A-FIN11H)
- Because financial services are too expensive
68386
86537
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c lack documentation
UNBANKED SECTION
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution. Is it ___________ ? (Randomly rotate FIN11A-FIN11H)
- Because you don’t have the necessary documentation (identity card, wage slip, etc.)
68386
86537
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c lack trust
UNBANKED SECTION
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution. Is it ___________ ? (Randomly rotate FIN11A-FIN11H)
- Because you don’t trust financial institutions
68386
86537
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c religious reasons
UNBANKED SECTION
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution. Is it ___________ ? (Randomly rotate FIN11A-FIN11H)
- Because of religious reasons
68386
86537
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c lack of money
UNBANKED SECTION
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution. Is it ___________ ? (Randomly rotate FIN11A-FIN11H)
- Because you don’t have enough money to use financial institutions
68386
86537
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c family member already has one
UNBANKED SECTION
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution. Is it ___________ ? (Randomly rotate FIN11A-FIN11H)
- Because someone else in the family already has an account
68386
86537
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If does not have account: b/c no need for financial services
UNBANKED SECTION
Please tell me whether each of the following is A REASON why you, personally, DO NOT have an account at a bank or another type of formal financial institution. Is it ___________ ? (Randomly rotate FIN11A-FIN11H)
- Because you have no need for financial services at a formal institution
68386
86537
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Made bill payments online using the Internet
In the PAST 12 MONTHS, have you, personally, used the Internet, whether on a mobile phone, a computer, or some other device, to ________?
- Make bill payments
(If respondent has used the Internet to buy something online in the past 12 months [code 1 in FIN14B], Continue; Otherwise, Skip to FIN15)
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Bought something online using the Internet
In the PAST 12 MONTHS, have you, personally, used the Internet, whether on a mobile phone, a computer, or some other device, to ________?
- Buy something online
(If respondent has used the Internet to buy something online in the past 12 months [code 1 in FIN14B], Continue; Otherwise, Skip to FIN15)
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Paid online or in cash at delivery
In the PAST 12 MONTHS, have you, personally, used the Internet, whether on a mobile phone, a computer, or some other device, to ________?
- Do you usually pay online or in cash when the order is delivered?
12936
141987
1
4
1
Pay online
2
In cash
3
(dk)
4
(ref)
Sysmiss
Saved in past 12 months: for farm/business purposes
SAVINGS SECTION
In the PAST 12 MONTHS, have you, personally, saved or set aside any money to start, operate, or grow a business or farm?
(If respondent has saved money for business purposes, for old age, or by using a financial account or an informal savings group/club [code 1 to ANY in FIN15, FIN16, FIN17A, OR FIN17B, Skip to Read before FIN19;
Otherwise, Continue)
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Saved in past 12 months: for old age
SAVINGS SECTION
In the PAST 12 MONTHS, have you, personally, saved or set aside any money FOR OLD AGE?
(If respondent has saved money for business purposes, for old age, or by using a financial account or an informal savings group/club [code 1 to ANY in FIN15, FIN16, FIN17A, OR FIN17B, Skip to Read before FIN19;
Otherwise, Continue)
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Saved in past 12 months: using an account at a financial institution
SAVINGS SECTION
In the PAST 12 MONTHS, have you, personally, saved or set aside any money by __________?
- Using an account at a bank or another type of formal financial institution (This can include using another person’s account)
(If respondent has saved money for business purposes, for old age, or by using a financial account or an informal savings group/club [code 1 to ANY in FIN15, FIN16, FIN17A, OR FIN17B, Skip to Read before FIN19;
Otherwise, Continue)
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Saved in past 12 months: using an informal savings club
SAVINGS SECTION
In the PAST 12 MONTHS, have you, personally, saved or set aside any money by __________?
- Using an informal savings group/club such as [local terminology for savings group/club] or a person outside the family
(If respondent has saved money for business purposes, for old age, or by using a financial account or an informal savings group/club [code 1 to ANY in FIN15, FIN16, FIN17A, OR FIN17B, Skip to Read before FIN19;
Otherwise, Continue)
119788
35135
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Has loan from a financial institution for home, apartment, or land
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
BORROWING SECTION
Do you, by yourself or together with someone else, currently have a loan you took out from a bank or another type of formal financial institution to purchase a HOME, APARTMENT, OR LAND?
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: for medical purposes
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
BORROWING SECTION
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed money for health or medical purposes?
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: for farm/business purposes
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
BORROWING SECTION
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed money to start, operate, or grow a business or farm?
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: from a financial institution
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
BORROWING SECTION
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from any of the following sources?
- From a bank or another type of formal financial institution
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: from family or friends
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
BORROWING SECTION
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from any of the following sources?
- From family, relatives, or friends
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Borrowed in past 12 months: from an informal savings club
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
FIN22C. (ASK ONLY IF CODE 1 IN FIN17B)
BORROWING SECTION
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from any of the following sources?
- From an informal savings group/club such as [local terminology for savings group/club]
(If respondent has borrowed money from a financial institution, from family, relatives, or friends, or from an informal savings group/club [code 1 to ANY in FIN20, FIN21, FIN22A, FIN22B, OR FIN22C], Skip to FIN24; Otherwise, Continue)
16225
138698
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Possibility of coming up with emergency funds
(READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions.
FINANCIAL RESILIENCE SECTION
Now, imagine that you have an emergency and you need to pay [1/20 of GNI per capita in local currency]. Is it possible or not possible that you could come up with [1/20 of GNI per capita in local currency] within the NEXT MONTH?
Possible > (Continue)
Not possible > (Skip to FIN26)
(DK) > (Continue)
(Refused) > Continue
154923
1
4
1
Possible
2
Not possible
3
(dk)
4
(ref)
Main source of emergency funds
What would be the MAIN source of money that you would use to come up with [1/20 of GNI per capita in local currency] within the NEXT MONTH?
CIRCLE ONE RESPONSE
87159
67764
1
8
1
Main source: Savings
2
Main source: Family or friends
3
Main source: Money from working
4
Main source: Borrowing from a bank, empoyer, or private lend
5
Main source: Selling assets
6
Main source: Some other source
7
(dk)
8
ref
Sysmiss
Sent domestic remittances in past 12 months
PAYMENTS SECTION
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different city or area INSIDE (country where survey takes place)? This can be money you brought yourself or sent in some other way. (This can be money given or sent for any reason)
Yes > (Continue)
No/ DK/ Refused > (Skip to FIN28)
119788
35135
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If sent domestic remittances: through a financial institution
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different city or area inside (country where survey takes place) in any of the following ways?
- You sent money through a bank or another type of formal financial institution
23751
131172
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If sent domestic remittances: through a mobile phone
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different city or area inside (country where survey takes place) in any of the following ways?
- You sent money through a mobile phone
(If respondent has given or sent money through a financial institution OR through a mobile phone [code 1 in FIN27A OR code 1 in FIN27B], Skip to FIN28; Otherwise, Continue)
23751
131172
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If sent domestic remittances: in cash
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different city or area inside (country where survey takes place) in any of the following ways?
- You handed cash to this person or sent cash through someone you know
8724
146199
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If sent domestic remittances: through an MTO
In the PAST 12 MONTHS, have you, personally, GIVEN or SENT money to a relative or friend living in a different city or area inside (country where survey takes place) in any of the following ways?
- You sent money through a money transfer service
8724
146199
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Received domestic remittances in past 12 months
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different city or area INSIDE (country where survey takes place), including any money you received in person? Yes or no? (This can be money received for any reason except payments for goods and services)
CIRCLE ONE RESPONSE
Yes > (Continue)
No/DK/Refused > (Skip to FIN30)
119788
35135
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received domestic remittances: through a financial institution
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different city or area inside (country where survey takes place) in any of the following ways?
- You received money through a bank or another type of formal financial institution
27454
127469
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received domestic remittances: through a mobile phone
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different city or area inside (country where survey takes place) in any of the following ways?
- You received money through a mobile phone
(If respondent has received money through a financial institution OR through a mobile phone [code 1 in FIN29A OR code 1 in FIN29B], Skip to FIN30; Otherwise, Continue)
27454
127469
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received domestic remittances: in cash
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different city or area inside (country where survey takes place) in any of the following ways?
- You were handed cash by this person or by someone you know
11499
143424
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received domestic remittances: through an MTO
In the PAST 12 MONTHS, have you, personally, RECEIVED money from a relative or friend living in a different city or area inside (country where survey takes place) in any of the following ways?
- You received money through a money transfer service
11499
143424
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Paid utility bills in past 12 months
In the PAST 12 MONTHS, have you, personally, made regular payments for electricity, water, OR trash collection? Yes or no?
Yes > (Continue)
No/DK/Refused >(Skip to FIN32)
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
If paid utility bills: using an account
In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, OR trash collection in any of the following ways?
- You used an account at a bank or another type of formal financial institution to directly make a payment
(If respondent has made payments for electricity, water, OR trash collection through an account at a financial institution OR through a mobile phone [code 1 in FIN31A OR code 1 in FIN31B], Skip to FIN32; Otherwise, Continue)
88999
65924
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If paid utility bills: through a mobile phone
In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, OR trash collection in any of the following ways?
- You used a mobile phone to make a payment
(If respondent has made payments for electricity, water, OR trash collection through an account at a financial institution OR through a mobile phone [code 1 in FIN31A OR code 1 in FIN31B], Skip to FIN32; Otherwise, Continue)
88999
65924
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If paid utility bills: in cash
In the PAST 12 MONTHS, have you, personally, made payments for electricity, water, OR trash collection in any of the following ways? (Read) You made a payment using cash.
48894
106029
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Received wage payments in past 12 months
Have you received any money from an EMPLOYER, in the form of SALARY OR WAGES, for doing work in the PAST 12 MONTHS? Please do NOT consider any money you received directly from clients or customers.
CIRCLE ONE RESPONSE
Yes > (Continue)
No/DK/Refused > (Skip to FIN37)
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
If received wage payments: work in public sector
In the PAST 12 MONTHS, have you been employed by the government, military, or public sector? Yes or no?
54997
99926
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received wage payments: into an account
In the PAST 12 MONTHS, has an EMPLOYER paid your salary or wages in any of the following ways?
- You received payments directly into an account at a bank or another type of formal financial institution
(If respondent received payments from an employer for salary or wages directly into an account at a financial institution OR through a mobile phone [code 1 in FIN34A OR code 1 in FIN34B], Skip to FIN35; Otherwise, Continue)
54997
99926
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received wage payments: through a mobile phone
In the PAST 12 MONTHS, has an EMPLOYER paid your salary or wages in any of the following ways?
- You received payments through a mobile phone
(If respondent received payments from an employer for salary or wages directly into an account at a financial institution OR through a mobile phone [code 1 in FIN34A OR code 1 in FIN34B], Skip to FIN35; Otherwise, Continue)
54997
99926
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received wage payments: in cash
In the PAST 12 MONTHS, has an EMPLOYER paid your salary or wages in any of the following ways?
- You received payments DIRECTLY in cash
(All in FIN34C2, Skip to FIN37)
17838
137085
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received wage payments: to a card
In the PAST 12 MONTHS, has an EMPLOYER paid your salary or wages in any of the following ways?
- You received payments to a card
(All in FIN34C2, Skip to FIN37)
17838
137085
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received cashless wage payments: first account
Thinking about the account you use to receive payments from an employer, was it the first account you ever opened, or not?
Yes > (Continue)
No/DK/Refused > (Skip to FIN37)
36941
117982
1
4
1
Yes
2
No
3
(DK)
4
(Refused)
Sysmiss
If received cashless wage payments: opened to receive payments
Did you open this account in order to receive payments from this employer?
16383
138540
1
4
1
Yes
2
No
3
(DK)
4
(Refused)
Sysmiss
Received government transfers in past 12 months
In the PAST 12 MONTHS, have you, personally, RECEIVED any financial support from the government? This money could include payments for educational or medical expenses, unemployment benefits, subsidy payments, or any kind of SOCIAL BENEFITS. Please do NOT include wages or any payments related to work.
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
Received government transfers in past 12 months: pension
In the PAST 12 MONTHS, have you, personally, received a pension from the government, military, or public sector?
(If respondent received financial support from the government or a pension from the government, military, or public sector [code 1 in FIN37 OR code 1 in FIN38, Continue; Otherwise, Skip to FIN42)
154923
1
4
1
yes
2
no
3
(dk)
4
(ref)
If received government transfers: into an account
In the PAST 12 MONTHS, have you received any money from the government in any of the following ways?
- You received payments directly into an account at a bank or another type of formal financial institution
(If respondent received any money from the government directly into an account at a financial institution OR through a mobile phone [code 1 in FIN39A OR code 1 in FIN39B], Skip to FIN40; Otherwise, Continue)
36629
118294
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received government transfers: through a mobile phone
In the PAST 12 MONTHS, have you received any money from the government in any of the following ways?
- You received payments through a mobile phone
(If respondent received any money from the government directly into an account at a financial institution OR through a mobile phone [code 1 in FIN39A OR code 1 in FIN39B], Skip to FIN40; Otherwise, Continue)
36629
118294
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received government transfers: in cash
In the PAST 12 MONTHS, have you received any money from the government in any of the following ways?
- You received payments DIRECTLY in cash
13571
141352
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received government transfers: to a card
In the PAST 12 MONTHS, have you received any money from the government in any of the following ways?
- You received payments to a card
(All in FIN39C2, Skip to FIN42)
13571
141352
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received cashless government transfers: first account
Thinking about the account you use to receive payments from the government, was it the first account you ever opened, or not?
CIRCLE ONE RESPONSE
Yes > Continue
No/DK/Refused > (Skip to FIN42)
4643
150280
1
4
1
Yes
2
No
3
(DK)
4
(Refused)
Sysmiss
If received cashless government transfers: opened to receive payments
Did you open this account in order to receive payments from the government?
CIRCLE ONE RESPONSE
2137
152786
1
4
1
Yes
2
No
3
(DK)
4
(Refused)
Sysmiss
Received agricultural payments in past 12 months
In the PAST 12 MONTHS, have you, personally, RECEIVED money from any source for the sale of agricultural products, crops, produce, or livestock?
CIRCLE ONE RESPONSE
Yes > (Continue)
No/DK/Refused > (Skip to Note before FIN46)
119788
35135
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received agricultural payments: into an account
In the PAST 12 MONTHS, have you received money for the sale of agricultural products, crops, produce, or livestock in any of the following ways?
- You received payments directly into an account at a bank or another type of formal financial institution
(If respondent received any money for the sale of agricultural products, crops, produce, or livestock directly into an account at a financial institution OR through a mobile phone [code 1 in FIN43A OR code 1 in FIN43B], Skip to FIN44; Otherwise, Continue)
18101
136822
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received agricultural payments: through a mobile phone
In the PAST 12 MONTHS, have you received money for the sale of agricultural products, crops, produce, or livestock in any of the following ways?
- You received payments through a mobile phone
(If respondent received any money for the sale of agricultural products, crops, produce, or livestock directly into an account at a financial institution OR through a mobile phone [code 1 in FIN43A OR code 1 in FIN43B], Skip to FIN44; Otherwise, Continue)
18101
136822
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received agricultural payments: in cash
In the PAST 12 MONTHS, have you received money for the sale of agricultural products, crops, produce, or livestock in any of the following ways?
- You received payments DIRECTLY in cash
15055
139868
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received agricultural payments: to a card
In the PAST 12 MONTHS, have you received money for the sale of agricultural products, crops, produce, or livestock in any of the following ways?
- You received payments to a card
(All in FIN43C2, Skip to Note before FIN47C3)
15055
139868
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received agricultural payments: opened to receive payments
Thinking about the account you use to receive payments for the sale of agricultural products, crops, produce, or livestock, was it the first account you ever opened, or not?
CIRCLE ONE RESPONSE
Yes > (Continue)
No /DK/Refused > (Skip to Note before FIN47C3)
2991
151932
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received agricultural payments: opened to receive payments
Did you open this account in order to receive these payments?
(If respondent received salary from an employer OR received payment for the sale of agricultural goods [code 1 in FIN32 OR code 1 in FIN42], Skip to Note before FIN47C3; Otherwise, Continue)
1233
153690
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Received self-employment payments: in past 12 months
In the PAST 12 MONTHS, have you, personally, received money from your business, or for selling goods, or for providing services, including part-time work?
CIRCLE ONE RESPONSE
Yes > (Continue)
No/DK/Refused > (Skip to Note before FIN47C3)
86796
68127
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received self-employment payments: into an account
In the PAST 12 MONTHS, have you received money from your business, or for selling goods, or for providing services, in any of the following ways?
- You received payments directly into an account at a bank or another type of formal financial institution
(If respondent received any money from their business or from selling goods directly into an account at a financial institution OR through a mobile phone [code 1 in FIN47A OR code 1 in FIN47B], Skip to Note before FIN47C3; Otherwise, Continue)
13972
140951
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received self-employment payments: through a mobile phone
In the PAST 12 MONTHS, have you received money from your business, or for selling goods, or for providing services, in any of the following ways?
- You received payments through a mobile phone
(If respondent received any money from their business or from selling goods directly into an account at a financial institution OR through a mobile phone [code 1 in FIN47A OR code 1 in FIN47B], Skip to Note before FIN47C3; Otherwise, Continue)
13972
140951
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received self-employment payments: in cash
In the PAST 12 MONTHS, have you received money from your business, or for selling goods, or for providing services, in any of the following ways?
- You received payments DIRECTLY in cash
(If code 2, 3, or 4 in FIN1 AND [code 2, 3, or 4 in FIN2 OR code 2, 3, or 4 in FIN3] AND code 1 to ANY in FIN31A, FIN34A, FIN34C2, FIN39A, FIN39C2, FIN43A, FIN43C2, FIN47A, OR FIN47C2, Continue; Otherwise, Skip to FIN48)
9682
145241
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
If received self-employment payments: to a card
In the PAST 12 MONTHS, have you received money from your business, or for selling goods, or for providing services, in any of the following ways?
- You received payments to a card
(If code 2, 3, or 4 in FIN1 AND [code 2, 3, or 4 in FIN2 OR code 2, 3, or 4 in FIN3] AND code 1 to ANY in FIN31A, FIN34A, FIN34C2, FIN39A, FIN39C2, FIN43A, FIN43C2, FIN47A, OR FIN47C2, Continue; Otherwise, Skip to FIN48)
9682
145241
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Marginal: Used debit card in your own name
In the PAST 12 MONTHS, have you used your OWN [insert local terminology for ATM/debit card] DIRECTLY to make a purchase?
6628
148295
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Marginal: Used mobile phone or internet to access FI account
In the PAST 12 MONTHS, did you ever use a MOBILE PHONE or the Internet to make a payment, to buy something, or to send money FROM your account at a bank or another type of financial institution?
6628
148295
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Marginal: Used mobile phone or internet to check account balance
In the PAST 12 MONTHS, have you checked your account balance using a mobile phone or the Internet?
6628
148295
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Owns a mobile phone
154921
2
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Has a national ID
109788
45135
1
4
1
yes
2
no
3
(dk)
4
(ref)
Sysmiss
Has an account at a financial institution
154923
1
1
yes
2
no
3
dk/ref
Has a mobile money account
84585
70338
1
1
yes
2
no
3
dk/ref
Sysmiss
Has an account
154923
1
1
yes
2
no
3
dk/ref
Saved in the past year
154923
1
1
yes
2
no
3
dk/ref
Borrowed in the past year
154923
1
1
yes
2
no
3
dk/ref
Payments: wage payments
154923
1
5
1
into an account
2
Main source: Family or friends
3
Main source: Money from working
4
Main source: Borrowing from a bank, empoyer, or private lend
5
Main source: Selling assets
6
Main source: Some other source
7
(dk)
8
ref
Payments: government transfers
154923
1
5
1
2
3
4
5
Payments: government pension
154923
1
5
1
2
3
4
5
Payments: selling agricultural goods
119788
35135
1
5
1
2
3
4
5
Sysmiss
Payments: utility bills
154923
1
5
1
2
3
4
5
Domestic remittances
119788
35135
1
6
1
2
3
4
5
6
Sysmiss
Pay online [of adults]- F2F
119788
35135
1
no/dk/ref
1
yes
Sysmiss
Pay online [of buyers]- F2F
12936
141987
1
no/dk/ref
1
yes
Sysmiss
Pay in cash when order is delivered [of adults]- F2F
119788
35135
1
no/dk/ref
1
yes
Sysmiss
Pay in cash when order is delivered [of buyers]- F2F
12936
141987
1
no/dk/ref
1
yes
Sysmiss